Call reports 2014
RIVERWIND BANK — 2014
What RIVERWIND BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 83,877,000 | 79,728,000 | 79,143,000 | 79,029,000 |
| Total loans | 47,000,000 | 47,687,000 | 49,366,000 | 49,700,000 |
| Allowance for loan losses | 556,000 | 531,000 | 551,000 | 509,000 |
| Securities available for sale | 14,809,000 | 11,983,000 | 12,112,000 | 12,415,000 |
| Securities held to maturity | 10,851,000 | 10,449,000 | 9,943,000 | 9,643,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,836,000 | 69,306,000 | 68,405,000 | 68,092,000 |
| Interest-bearing deposits | 54,013,000 | 53,866,000 | 53,186,000 | 53,492,000 |
| Noninterest-bearing deposits | 19,824,000 | 15,440,000 | 15,219,000 | 14,600,000 |
| Equity capital | 7,730,000 | 8,053,000 | 8,302,000 | 8,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 899,000 | 1,829,000 | 2,777,000 | 3,725,000 |
| Interest expense | 57,000 | 116,000 | 176,000 | 234,000 |
| Net interest income | 842,000 | 1,713,000 | 2,601,000 | 3,491,000 |
| Noninterest income | 156,000 | 257,000 | 358,000 | 492,000 |
| Noninterest expense | 657,000 | 1,337,000 | 2,024,000 | 2,710,000 |
| Provision for loan losses | 45,000 | 75,000 | 105,000 | 135,000 |
| Pretax income | 285,000 | 553,000 | 825,000 | 1,133,000 |
| Income tax | 93,000 | 146,000 | 205,000 | 295,000 |
| Net income | 192,000 | 407,000 | 620,000 | 838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,006,000 | 8,221,000 | 8,434,000 | 8,492,000 |
| Total capital | 8,562,000 | 8,752,000 | 8,985,000 | 9,001,000 |
| Risk-weighted assets | 52,132,000 | 51,754,000 | 52,509,000 | 52,515,000 |